***** **** ****** ***** 661-***-****

Rd #**** E-mail

Saugus, CA 91350 abil3o@r.postjobfree.com

Joanne Perez

Profile Most recently I was an underwriter for Bank of America Home Loans in

the Investor Audit division. I was previously employed with Countywide

Home Loans since April of 1998 and was transitioned to Bank of

America Home Loans. During my tenure I held several positions, in

which I successfully demonstrated an excellent ability to multi-task, meet

customer and client needs, work independently and in a team

environment, meet time sensitive deadlines and assist upper

management on special projects.

Skills Fluent Spanish

Microsoft Word proficient

Intermediate Excel proficient

Microsoft Outlook

Lexis Nexis Proficient

AS400 Proficient

Type 60 WPM

10 Key 8000 KPH

Westlake Village, CA

Dec 2006-Current

Education

College of the Canyons Valencia, CA

General Education/Nursing

English

Speech

Sociology

Development Psychology

Mythology

Complete Countrywide Home Loans Courses

Real Estate Principles

Introduction to Loan Processing

Introduction to Underwriting

Underwriting Credit

Detecting Fraud

Calculating Salaried or Hourly Wages

Analyzing the Self Employed Borrower

Underwriting HELOC’s

Compliance Training

Work Experience Jan 2009 - Jan 2010

Bank of America Home Loans

Underwriter

Review, examine and underwrite closed loans for all originating divisions

to determine investor risk.

Evaluate debt ratio, calculate income, review assets, review credit and

evaluate the appraisal to ensure quality.

Use loan program guide, conventional technical manual and in house

systems to review all loans for accuracy.

Communicate with staff and outside sources regarding mortgage

insurance claim denials.

Address all mortgage insurance claim denial issues in a timely manner.

Maintain a daily and weekly log of all files currently in the pipeline.

Update monthly spreadsheet of all files in the current pipeline and

present to management for further review.

March 2009 - March 2010

Remember When Scrapbook Store

Cashier/Customer Service (part time)

Open and close the register, ensuring the drawers balanced in

accordance with the number of sales for the day.

Greet all customers upon entrance to the store.

Assist customers with product questions, design assistance and at the

register.

Stock and clean products as necessary.

Organize and clean the store.

April 2006 - Jan 2009

Countrywide Home Loans Westlake Village, CA

Senior Underwriter

Review, examine and underwrite closed loans for all originating divisions

to determine investor risk.

Evaluate debt ratio, calculate income, review assets, review credit and

evaluate the appraisal to ensure quality.

Ensure that all procedures and guidelines were followed at the time of

closing.

Review any and all issues not addressed by the originating branch at

time of closing.

Review for potential fraud.

Report any high risk or severe finding to upper management for final

review.

Nov 2005 – April 2006

Capital 6 Funding

Underwriter

Review credit, appraisal, income and assets to determine loan approval.

Determine pricing on a loan by loan basis using loan-to-value and credit.

Compile a list of conditions required for each loan prior to closing.

Review all conditions and assess if guidelines and policies were met in

order to fund loan.

Meet with Account Executives on a weekly basis to review loans and

determine closing dates based on conditions.

Meet with upper management on a weekly basis to review all high risk

loans and address any underwriting and processing issues.

June 2005 - Nov 2005

Countrywide Home Loans

Underwriter

Review, examine and underwrite closed loans for all originating divisions

to determine investor risk.

Evaluate debt ratio, calculate income, review assets, review credit and

evaluate the appraisal to ensure quality.

Ensure that all procedures and guidelines were followed at the time of

closing.

Review any and all issues not addressed by the originating branch at

time of closing.

Review for potential fraud.

Report any high risk or severe finding to upper management for final

review.

Jan 2004 -June 2005

Countrywide Home Loans

Senior Underwriter Associate

Audit and review all manufactured loans for all divisions of the company.

Review files for compliance issues such as missing required forms and

complying with specific state requirements.

Report findings to upper management and investors for further review.

Coordinate with investors to create a new audit checklist for all the use

all underwriters in all the divisions.

Meet with specific divisions to address issues within that division in order

to ensure the quality of the loans closed

Jan 2002 -Jan 2004

Countrywide Home Loans

Funder/Post Closer

Reviewed file for accuracy and completion and set up for closing.

Conducted a compliance review of the file prior scheduling closing.

Coordinated with escrow, title and loan officers to schedule closing and

to set up distribution of finds.

Confirmed final closing costs and fees associated with loan and updated

the system accordingly.

After funding, packaged loan for shipment to collateral processing

center. Insured the file was sent within the required time sensitive

guidelines set forth by management.

Cured any deficiency items in connection with a loan after it was closed.

December 2000 – Jan 2002

Countrywide Home Loans

Home Loan Consultant

Successfully closed an average of $1.3 in originated loans during my

tenure as a home loan consultant.

Successfully closed an average of 10 loans per month from self

generated leads with real estate agents and previous clients.

Responsible for correctly pricing and locking loans using the daily

interest rate website.

Responsible to for locking loans in the correct loan program using

program guidelines and at times using a preliminary automated

underwriting system.

April 1998 - December 2000

Countrywide Home Loans

Loan Processor

Successfully assisted in the closing of an average of 150 loans per

month

Collected and compiled all necessary documentation required per

program guidelines such as income, assets, credit reports, appraisal and

verification of previous housing history for underwriter review.

Used automated underwriting system to assist underwriter in reviewing

loans prior to final approval.

Contacted borrower(s), real estate agents, loan officers, escrow and title

in order to maintain loan file as current as possible.

Ensured all government regulations followed in the proper disclosing of

the Good Faith Estimate and Truth in Lending to the borrower(s).

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